Patriot National Bancorp vs Provident Financial Holdings
Provident Financial Holdings is the larger business, with $40.1m of revenue in fiscal 2026 against $29.6m for Patriot National Bancorp (1.4 times as much). Patriot National Bancorp grew faster (4.2% against 2.7%). Provident Financial Holdings kept more of each dollar of sales as profit: a net margin of 16.6% against -42.9%.
| Latest fiscal year | Patriot National BancorpPNBK, 2025 | Provident Financial HoldingsPROV, 2026 |
|---|---|---|
| Revenue | $29.6m | $40.1m |
| Revenue growth | 4.2% | 2.7% |
| Net income | −$12.7m | $6.7m |
| Operating margin | — | — |
| Net margin | -42.9% | 16.6% |
| Return on equity | -25.7% | 5.2% |
| Free cash flow | −$14.3m | $8.5m |
| Cash | $207m | $49.2m |
| Total debt | $16.6m | $157m |
| Debt to equity | — | — |
| Dividend per share | — | $0.56 |
| Dividend yield | — | 3.2% |
| Share buybacks | — | $6.0m |
| Employees | 107 | 158 |
| Market value | $104m | $114m |
| Price vs our value range | — | — |
| Moat score | 12 (Weak) | 49 (Moderate) |
| Insider trades, 12 months | 4 buys, 0 sales | 0 buys, 5 sales |